Blackcatcard vs Paycek
Two virtual cards people weigh up side by side. We put Blackcatcard and Paycek on the same rows so the difference is easy to see.
Blackcatcard issues on Mastercard and Paycek on Visa + Mastercard; verification is ID + proof at Blackcatcard versus No KYC at Paycek; only Blackcatcard funds by bank transfer.
Paycek is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Blackcatcard is the better fit for power users who need bank-transfer funding.
The two, compared
| Field | Blackcatcard | Paycek |
|---|---|---|
| Card network | Mastercard | Visa + Mastercard |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | No KYC |
| Card issuance fee | Free | Free |
| Monthly fee | Free (1 card); €2/mo (2+ cards) | Free |
| Top-up fee | — | 1.5% |
| FX fee | — | 1.5% |
| Crypto funding | Yes (BTC/ETH/USDT) | Yes (20+ currencies) |
| AI tool support | — | — |
| Risk level | Low-Medium | High |
| Our rating | 8.2 | 8.8 |
| User reviews | 270 | 138 |
| Best for | App Store / Play · Free issuance | App Store / Play · No KYC |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The short version of the matchup
- Budget-led users will lean to Paycek: the running cost is the lower of the two.
- Prefer a short sign-up? Paycek is the lower-friction option here.
- In our scoring, Paycek finished ahead of Blackcatcard — not by a mile, but enough to tilt a tiebreak.
- Blackcatcard carries the lower risk flag in our file, which some users prefer for a primary card.
Side by side
Both cards clear the same checkouts in our tests, so the call comes down to cost. Paycek is cheaper on issuance (free) and top-ups (a 1.5% top-up), while Blackcatcard is worth the premium only for bank-transfer funding.
Questions people ask
That depends on what you spend on. Blackcatcard scores 8.2/10 against Paycek's 8.8/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Paycek works out cheaper: no virtual card issuance fee, free account maintenance. Blackcatcard adds $1.09 a month.
Blackcatcard asks for ID + proof at signup; Paycek asks for No KYC. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including PlayStation Network. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Blackcatcard and Paycek both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: